Credit union · NCUA insured
Pacific Cascade Auto Loan Rates
Pacific Cascade auto loans start at 2.65% APR for a new vehicle and 3.65% for a used one. Rates checked October 22, 2026.
How Pacific Cascade’s auto loan rates compare
Compared with banks and credit unions near Eugene, OR, where Pacific Cascade has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pacific Cascade
2.65%APR
- Terms
- —
- Up to
- 16.65% APR
- Discount
- None included
New Autos and Trucks
2nd-lowest rate
Emerald Empire Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 14.25% APR
- Discount
- Included in the rate
3rd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Pacific Cascade auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew2.65%
- Used vehicleUsed3.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pacific Cascade ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Autos and Trucks
APR is fixed based on credit qualifications, credit score tier, loan length, and loan amount. Approved APR will be 0.25% higher without autopay (from PCFCU deposit account or ACH payment from another financial institution) and 0.25% higher without monthly eStatements.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.65%–16.65% | Tiered fixed rate. APR is based on credit score tier, loan amount, and term length. Assumes autopay and eStatements discounts. |
Sources (4)
- wesaveyou.com
- wesaveyou.com/resources/our-rates
- wesaveyou.com/wp-content/uploa…oan-Rates-02-03-2026.pdf
- wesaveyou.com/personal/loans/auto-loans
All captured Oct 22, 2026
New Motorcycles
APR is fixed based on credit qualifications, credit score tier, loan length, and loan amount. Approved APR will be 0.25% higher without autopay (from PCFCU deposit account or ACH payment from another financial institution) and 0.25% higher without monthly eStatements.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.65%–15.65% | Tiered fixed rate. APR is based on credit score tier, loan amount, and term length. Assumes autopay and eStatements discounts. Approved APR is 0.25% higher without autopay and 0.25% higher without eStatements. |
Sources (2)
All captured Oct 22, 2026
Used Autos and Trucks
APR is fixed based on credit qualifications, credit score tier, loan length, and loan amount. Approved APR will be 0.25% higher without autopay (from PCFCU deposit account or ACH payment from another financial institution) and 0.25% higher without monthly eStatements.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.65%–16.65% | Tiered fixed rate. APR is based on credit score tier, loan amount, and term length. Assumes autopay and eStatements discounts. |
Sources (2)
All captured Oct 22, 2026
Used Motorcycles
APR is fixed based on credit qualifications, credit score tier, loan length, and loan amount. Approved APR will be 0.25% higher without autopay (from PCFCU deposit account or ACH payment from another financial institution) and 0.25% higher without monthly eStatements.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.65%–16.65% | Tiered fixed rate. APR is based on credit score tier, loan amount, and term length. Assumes autopay and eStatements discounts. Approved APR is 0.25% higher without autopay and 0.25% higher without eStatements. |
Sources (2)
All captured Oct 22, 2026
Who can join Pacific Cascade
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Benton, Coos, Douglas, Lane, Linn, and Lincoln Counties in Oregon.
Family and household
- Membership is open to individuals related to an eligible person.
Cost to join
- There is no membership application fee, but members must open and maintain a refundable $5 share in a savings account.
Membership information collected October 4, 2026.